The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794   538,990 9,464 SH   SOLE   9,464 0 0
ISHARES TR CORE S&P TTL STK 464287150   13,734,935 145,822 SH   SOLE   145,822 0 0
ISHARES TR CORE S&P500 ETF 464287200   7,306,854 17,015 SH   SOLE   17,015 0 0
ISHARES TR CORE US AGGBD ET 464287226   6,239,930 66,354 SH   SOLE   66,354 0 0
ISHARES TR IBOXX INV CP ETF 464287242   744,776 7,300 SH   SOLE   7,300 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   3,166,474 46,280 SH   SOLE   46,280 0 0
ISHARES TR S&P 500 VAL ETF 464287408   8,862,499 57,609 SH   SOLE   57,609 0 0
ISHARES TR CORE S&P MCP ETF 464287507   851,032 3,413 SH   SOLE   3,413 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   806,836 4,565 SH   SOLE   4,565 0 0
ISHARES TR CORE S&P US VLU 464287663   9,667,558 129,557 SH   SOLE   129,557 0 0
ISHARES TR CORE S&P US GWT 464287671   6,664,295 70,276 SH   SOLE   70,276 0 0
ISHARES TR S&P MC 400VL ETF 464287705   5,530,701 54,797 SH   SOLE   54,797 0 0
ISHARES TR SP SMCP600VL ETF 464287879   9,267,355 103,871 SH   SOLE   103,871 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,455,675 14,152 SH   SOLE   14,152 0 0
ISHARES TR MRGSTR MD CP GRW 464288307   8,398,339 147,004 SH   SOLE   147,004 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,956,011 38,580 SH   SOLE   38,580 0 0
ISHARES TR USD INV GRDE ETF 464288620   10,997,839 228,788 SH   SOLE   228,788 0 0
ISHARES TR RUS TP200 GR ETF 464289438   8,831,380 57,410 SH   SOLE   57,410 0 0
ISHARES TR US TREAS BD ETF 46429B267   1,970,685 89,414 SH   SOLE   89,414 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   2,139,425 44,576 SH   SOLE   44,576 0 0
ISHARES TR CORE MSCI INTL 46435G326   1,552,871 26,645 SH   SOLE   26,645 0 0
UNITEDHEALTH GROUP INC COM 91324P102   231,077 458 SH   SOLE   458 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422   575,506 15,656 SH   SOLE   15,656 0 0